Bankin bayanai

Turanci mababu English

A lokacin da ka farko zo a Amurka, ba ku san su abin da ya yi tare da kudi ko wanda ya amince da. Some newcomers are afraid to use banks. Za ka iya jin juyayi game da bada kudi ga wani baƙo a wani banki. Zaka iya taba amfani da wani banki da kuma mamaki game da yadda za a bude wani bank account. This page has bank information to help you understand the US system.

When you first arrive in the United States, you may not know what to do with your money or who to trust. Some newcomers are afraid to use banks. You may feel nervous about giving your money to a stranger at a bank. You may have never used a bank before and wonder about how to open a bank account. This page has bank information to help you understand the US system.

It is important to understand basic bank information in the US like how to use an ATM., Photo by CG Hughes, CC.

It is important to understand basic bank information in the US like how to use an ATM., Photo by CG Hughes, CC.

Me kake bukatar a bank account

Why you need a bank account

Tsayawa manyan yawa kudi a cikin gida ko Apartment, ko tare da ku ba mai kyau ra'ayin, domin zai iya samun sata ko rasa. Yana da kyau don adana mafi na kudi a banki ko bashi jam'iyya. Bankuna da kuma bashi kungiya ta kashin a Amurka ne amintacciyã, natsattsiyã, da kuma miliyoyin Amirkawa amfani da bankuna.

Keeping large amounts of money in your home or apartment or with you is not a good idea because it can get stolen or lost. It is better to store most of your money in a bank or credit union. Banks and credit unions in the United States are safe and secure, and millions of Americans use banks.

Da zarar ka fara yin kudi ya kamata ka bude wani bank account. Shi ya sa ya fi sauƙi ga sami kudi daga m. Yana kuma sa ya yiwu a biya domin abubuwa ta cikin mail ko online.

Once you start making money you should open a bank account. It makes it easier to receive money from your employer. It also makes it possible to pay for things through the mail or online.

Nau'in na banki

Types of bank accounts

Za ka iya bude wani tanadi lissafi ko wani dubawa asusun.

You can open a savings account or a checking account.

Dubawa asusun ba ka damar saka kudi da kuma biya your takardar kudi. Da zarar kana aiki, za ka iya samun your paycheck matsayin kai tsaye ajiya - wannan yana nufin zai tafi kai tsaye zuwa ga dubawa asusun daga m.

Checking accounts allow you to deposit money and pay your bills. Once you are working, you can receive your paycheck as a direct deposit – this means it will go directly to your checking account from the employer.

Idan kana da wasu tanadi, ko son fara ceton, za ka iya bude wani raba bank account. Savings asusun taimake ku ajiye kudi domin nan gaba. Zaka iya sami sha'awa ta sa kudi a wani asusun ajiyar banki. Duk da haka, mafi tanadi asusun kawai ba ka damar daukar kudi daga asusun da 'yan sau da watan.

If you have some savings, or want to start saving, you can open a separate bank account. Savings accounts help you save money for the future. You can earn interest by putting money in a savings account. However, most savings accounts only allow you to take money out of the account a few times per month.

Bude wani bank account

Opening a bank account

Don buɗe a bank account, za ka bukatar a kalla a kananan adadin kudi. Don buɗe a bank account, dole ne ka nuna biyu siffofin ganewa (ID) don tabbatar da wanda kake.

To open a bank account, you will need at least a small amount of money. To open a bank account, you must show two forms of identification (ID) to prove who you are.

Cak da zare kudi cards

Checks and debit cards

Bayan ka bude ka tanadi ko dubawa asusun, ka iya samun zare kudi da katin da kuma cak. A lokacin da ka yi amfani da zare kudi da katin, da kudi zo daga bank account.

After you open your savings or checking account, you may receive a debit card and checks. When you use your debit card, the money comes out of your bank account.

A debit card is a plastic card you use to get cash out of an ATM (sarrafa kansa teller inji), which is a machine that holds money. ATMS are usually outside your bank. There are many other ATMS in stores and other public places, but the ATM does not belong to you bank, you may pay a fee to get cash.

A debit card is a plastic card you use to get cash out of an ATM (automated teller machine), which is a machine that holds money. ATMS are usually outside your bank. There are many other ATMS in stores and other public places, but the ATM does not belong to you bank, you may pay a fee to get cash.

You can also use your debit card to pay for things in stores, online, and over the phone. Be careful using your debit card online. learn how to be safe shopping online.

You can also use your debit card to pay for things in stores, online, and over the phone. Be careful using your debit card online. learn how to be safe shopping online.

Domin kare da shaidarka, ka da a yi wani PIN (Personal Identification Number) don amfani da katin. Ka shigar da PIN duk lokacin da ka dauki kudi daga ATM da ko saya wani abu. Idan ka rasa da katin ko shi samun sata, babu wanda zai iya amfani da shi sai dai in sun san PIN.

In order to protect your identity, you have to have a PIN (personal identification number) to use your card. You enter your PIN every time you take money out of the ATM or buy something. If you lose the card or it gets stolen, nobody can use it unless they know the PIN.

Sample Debit Card from the Wells Fargo "Hands on Banking" shirin.
Samfurin zare kudi da katin daga Wells Fargo “Hands a kan Banking” shirin.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Cak ne siffofin ka cika a da hannu biya domin abubuwa. The mutum samun your rajistan shiga adibas shi a cikin banki, da banki biya su fita daga asusunka. Za ka iya amfani da cak biya takardar kudi, kamar ka haya da kuma utilities. Local shagunan iya yarda ka cak idan suka san ka.

Checks are forms you fill in and sign to pay for things. The person receiving your check deposits it in their bank, and your bank pays them out of your account. You can use checks to pay bills, such as your rent and utilities. Local shops may also accept your checks if they know you.

Banking kudade

Banking fees

Ko ka zabi wani tanadi lissafi ko wani dubawa asusun, tambayar ko ka cancanta ga wani free lissafi. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (sa kudi a cikin banki) da kuma karbo kudi (dauki kudi daga banki) ba tare da ana cajin kudin. Most banks have some form of free checking account, so you should not need to pay a fee. You may get better rates at a credit union, which is a type of bank owned by its members.

Whether you choose a savings account or a checking account, ask whether you qualify for a free account. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (put money in the bank) and withdraw money (take money out of the bank) without being charged a fee. Most banks have some form of free checking account, so you should not need to pay a fee. You may get better rates at a credit union, which is a type of bank owned by its members.

Manajan banki balance

Managing your bank balance

Da zarar kana da wani bank account, kana bukatar ka yi hankali da suke ciyarwa kawai a matsayin mai yawa kudi kamar yadda ka yi a cikin banki. Idan ka rubuta wani rajistan shiga amma ba su da isasshen kudi don rajistan shiga, za a caje ka an overdraft fee na $50 ko fiye. Idan ka yi kuskure, za ka iya bayyana wa bankin shi ne mai gaske rashin fahimta da kuma ladabi tambaye bankin zuwa kudinku da fee, kuma suka iya ko ba kudinku shi.

Once you have a bank account, you need to be careful to spend only as much money as you have in your bank. If you write a check but do not have enough money for the check, you will be charged an overdraft fee of $50 or more. If you make a mistake, you can explain to the the bank it was a genuine misunderstanding and politely ask the bank to refund the fee, and they may or may not refund it.

Don kauce wa kuskure, za ka iya duba da yadda da yawa kudi kana da a tanadi ko dubawa asusu a banki, online, ko a ATM. The adadin kana da aka kira ka “banki balance.” Overdraft kudade kudin kudi mai yawa, saboda haka yana da hikima don ci gaba da wani hankali sosai watch on your banki balance!

To avoid mistakes, you can check how much money you have in savings or checking account at the bank, online, or at an ATM. The amount you have is called your “bank balance.” Overdraft fees cost a lot of money, so it is wise to keep a very careful watch on your bank balance!

Sample Bank Statement from the Wells Fargo "Hands on Banking" shirin.
Samfurin Bank Sirri daga Wells Fargo “Hands a kan Banking” shirin.
Sample Bank Statement from the Wells Fargo "Hands on Banking" program.
Sample Bank Statement from the Wells Fargo “Hands on Banking” program.

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